Applying For Amex Business Cards: What You Need To Know

Filed Under: American Express, Credit Cards
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American Express has a great portfolio of small business cards, and they often have increased welcome bonuses. For that matter, a lot of card issuers are focused on small business cards nowadays, and you’ll often find that they have better welcome bonuses and benefits than personal cards.

For those who may not be familiar with the process of applying for business cards, in this post I wanted to talk about Amex small business cards — what offers are available, what are the advantages of applying for Amex business cards, and how should you go about applying?

The Best Amex Business Cards

There are several great American Express business cards, including some cards earning Membership Rewards points, and some co-brand cards that can earn you valuable airline or hotel rewards.

The card that’s best for your small business will depend on what your travel goals are. Here are a few of my favorites:

Delta Business Amex Cards

Redeem SkyMiles for travel in Delta One

Hilton Business Amex

Hilton and Amex have a co-brand card portfolio, and that includes one business card:

Receive complimentary breakfast with the Gold status that comes with the card

Amex Blue Business Plus

If you’re looking for the best no annual fee Amex business card that earns Membership Rewards points, there’s one clear winner:

Earn lots of Membership Rewards points with this card

Amex Blue Business Cash

As far as I’m concerned there’s one excellent cash back Amex business card, which has a generally similar rewards structure to the Blue Business Plus:

This is the best Amex card for earning cash back

Amex Business Gold Card

If you’re looking for the best Amex business card with bonus categories that earns Membership Rewards points, there’s one clear winner:

  •  The American Express® Business Gold Card (review) has a $295 annual fee (Rates & Fees) and offers 4x points in the two categories you spend most in each month, on a total of up to $150,000 in combined purchases every year; eligible categories include airfare purchased directly from airlines, U.S. purchases for advertising in select media, U.S. purchases at gas stations, U.S. purchases at restaurants, U.S. purchases for shipping, U.S. computer hardware, software, and cloud computing purchases made directly from select providers

Redeem Amex points for travel on Singapore Airlines

Amex Business Platinum

If you’re looking for the best Amex business card with perks like lounge access, then there’s an obvious choice:

Access Amex Centurion Lounges with this card

Advantages Of Applying For Amex Business Cards

There are a few things worth knowing specifically about applying for Amex business cards. Anecdotally:

  • Applying for Amex business cards doesn’t count towards Chase’s 5/24 limit; that’s because these applications typically aren’t reported on your personal credit report
  • If you’re an existing Amex cardmember and apply for another Amex card, your credit won’t initially be pulled; this means that if you get a preliminary denial based on existing information, it won’t ding your credit score
  • Among business credit cards, I find that Amex cards are significantly easier to be approved for than Chase or Citi cards, so it’s a great place to start if you’re getting your first business card

Restrictions On Applying For Amex Business Cards

Amex’s general restrictions on applying for cards is as follows:

  • You can generally have at most five Amex credit cards at any given point; it doesn’t matter whether they’re personal or business, and this limit doesn’t include charge cards (the only cards above that are charge cards are the Amex Business Gold and Amex Business Platinum)
  • You can typically be approved for at most two American Express credit cards in 90 days, though there are some inconsistencies when it comes to that (again, this doesn’t include charge cards)

How To Fill Out An Amex Business Card Application

Those who already have business credit cards are probably familiar with the application process, but for those who aren’t, here’s what you need to know.

It can be intimidating to apply for your first business credit card, though even if you’re a small business or sole proprietorship, you should be eligible. When applying for an Amex business card, you’ll be asked the following questions:

  • Legal Business Name
  • Business Address & Phone Number
  • Industry Type
  • Company Structure
  • Years In Business
  • Number Of Employees
  • Annual Business Revenue
  • Estimated Monthly Spend
  • Federal Tax ID

If you’re a sole proprietorship, how should you approach this? First of all, and most importantly, answer everything truthfully. I think the concern that a lot of people have is that they think they need an incorporated business, a separate office, etc., in order to be considered for a business card. That’s not the case:

  • You can use your name as your legal business name
  • The business address and phone number can be the same as your personal address and phone number
  • You can select “other” as your industry type, if that’s the case
  • If you’re a sole proprietorship, you can select that as your company structure
  • In terms of years in business, there’s no shame in saying it has been less than a year, one to two years, etc.
  • In terms of the number of employees, saying just one is perfectly fine
  • For the federal tax ID you can put your social security number

While a lot of people are intimidated by applying for their first business card, I think most are pleasantly surprised at the results. Again, the most important thing is to always be truthful on the application.

Bottom Line

American Express business cards can be very beneficial additions to your wallet, so hopefully, this is useful for anyone who hasn’t yet applied for an Amex business card.

Even if you’re not someone who has applied for Amex business cards in the past, you may be pleasantly surprised by the results.

The following links will direct you to the rates and fees for mentioned American Express Cards. These include: American Express® Business Gold Card (Rates & Fees), Delta SkyMiles® Reserve Business American Express Card (Rates & Fees), Delta SkyMiles® Gold Business American Express Card (Rates & Fees), Delta SkyMiles® Platinum Business American Express Card (Rates & Fees), The Blue Business® Plus Credit Card from American Express (Rates & Fees), The Business Platinum® Card from American Express (Rates & Fees), and American Express® Blue Business Cash Card (Rates & Fees).

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Comments
  1. Do you know if the 5 Credit Card max restriction applies to:
    1. Being an Authorized user on a Amex CC?
    2. Holding an Amex Corporate Card through your job? (not business, but a corporate account)

  2. @JackG

    I think it goes by SSN so I would assume 2 is a no but 1 is a maybe depending on if your SSN is attached as an AU or not. Again, it’s what I think.

  3. If I apply for an AMEX business card does that count toward the 5/24 rule for Chase? I know most Chase business cards don’t but what about AMEX?

  4. @Robert
    “Advantages Of Applying For Amex Business Cards
    There are a few things worth knowing specifically about applying for Amex business cards. Anecdotally:

    Applying for Amex business cards doesn’t count towards Chase’s 5/24 limit; that’s because these applications typically aren’t reported on your personal credit report”

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